PNC Flex Visa Credit Card - a good balance transfer card?

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at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR10.99 - 19.99% (V)
intro BT APR 0% for 18 months 3% min $5
rewards 4 points per $1 + points on balance
  • 4 points per dollar on purchases
  • 100 points for every $1 of interest charged by bank on your balance with a balance more than $1,500
  • 100 points for every $2 of interest charged by bank on your balance with a balance between $500- $1,500

 

no annual fee

low APR

intro BT APR

points for carrying a balance

Editors Review

Update: The card is no longer available. Check out PNC Core Visa instead 

Pros

  • no annual fee
  • low regular APR starting from 10,99%
  • 0% intro balance transfer APR for 18 months
  • you can earn 4 points per dollar on purchases
  • and earn points on carrying a balance on a card 

Cons

  • 3% foreign transaction fee

Verdict

This card is positioned as a balance transfer card - it charges no interest on balance transfers for 18 months. Remember that 3% balance transfer fee still applies. 
The uncommon approach the card takes is to reward you for carrying a balance - you earn points not only for shopping but also for paying an interest on your balance. 
Be aware that the PNC points are easy to get but the value is no more than 1/4 cents each; otherwise, it requires good math skills to asses if the card is worth having or if it is better to find a 9% APR offer from US Bank VISA Platinum or Barclaycard Ring.
Last updated: 12/24/2015


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